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中文摘要：
采用剩余产品回购率的大小来刻画供应链的上游核心企业对下游中小企业存货质押融资行为的担保程度,模型化了银行的存货质押融资决策。研究表明,银行的期望利润、存货质押率与核心企业的担保程度成正相关,贷款利率与担保程度无关且固定等于管制利率;并且发现某一程度的担保（对应某一质押率）是合理的。本文的研究为银行要求核心企业提供回购担保以及提供什么程度的担保提供了解释,也为基于期权思想进行中小企业融资金融产品的创新设计提供了启发。
英文摘要：
This paper takes the repurchase ratio of surplus products as the index which can depict the degree of the upstream core enterprises＇ buy-back guarantee against the downstream small and medium-sized enterprises＇ financing inventory,and model banks＇ decisions on inventory financing.Studies show that banks＇ expected profit,the loan-to-value ratio of inventory financing positively correlate to the guarantee degree of core enterprises while the loan ratio is a constant equal to the regular interest rate.The loan-to-value ratio will be the best value when the buy-back ratio is a rational number.This study provides a theoretical explanation to banks＇ requirements for core enterprises＇ buy-back guarantee and the degree of their guarantee and also reference for the designing of financial product innovation of small and medium-sized enterprises based on option theory.
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